Word: paychecks
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Sexual orientation influences your paycheck too, says Gary Gates, a senior research fellow at the Williams Institute at the UCLA School of Law. "Gay men in particular have earnings similar to other men, but partnered gay men have earnings quite substantially below men who partner with women." Gates has a theory about the disparity: "Being gay has impact, particularly on the executive level. You can't go to the golf club with your wife. Your wife can't entertain the spouses...
...really hot when you get into them. After five minutes, you're sweating to death." So Kennedy, who has a summer job waitressing, likes to tan early--and often. Her favorite salon charges $6 a session or $40 for a month of unlimited use. "When I get my paycheck, I'll buy a month, and I'll go every day or every other day," she says. "I try to get in there as much as possible to get my money's worth...
...little. "Wiping spit is a tough thing to get used to," he says. Jones, 27, earns $6.50 an hour without benefits, vacation time or sick days. His employer, Professional Maintenance, a cleaning contractor, usually schedules him for just four hours a night, five nights a week, so Jones' biweekly paycheck amounts to about $260, before taxes. The monthly rent for his spartan ground-level apartment in a once industrial part of town is $215, so there's little left after phone and utility bills and food. He hasn't bought a new piece of clothing in years...
Every new parent knows that having a baby means weeks without sleep. Should it also mean weeks without a paycheck? That's the stark choice confronting Shannon Thomas, 21, a preschool teacher in southeastern Massachusetts. Her employer, the Boys and Girls Club of Taunton, agreed to hold her job for about six weeks after her June 18 due date but didn't offer any paid maternity leave. "My rent, food, the hospital--those costs aren't going away," Thomas says. So she quit her $500-a-week job three weeks ago and applied for state welfare assistance. "I'd rather...
...AUTOMATIC For saving to become truly painless, you have to automate the process. Set up recurring contributions to an IRA or other savings account directly from your checking account or paycheck. "You'll adjust your spending when the money isn't there," says James Dew, a financial planner in Scottsdale, Ariz. While you're at it, automate your bill paying...